Financial wellness Goals check-ins, reminders, and tools

Goals Check-ins includes goal check-ins and reminder settings to help you review goals over time. Goals Tools includes planning tools such as advance buffer planning and the debt payoff simulator.

These features are for planning and awareness. They do not provide financial advice, determine advance eligibility, pay debt, send payments, move money, or guarantee that a goal is right for your situation.

Goal Check-Ins

The Check-ins section in Goals shows goal decisions that are due, upcoming, or recently completed.

Check-ins may be created for:

• monthly reviews;
• payday reviews;
• goals that look off track;
• stale connected-account data;
• possible completion review.

The main check-in summary shows the next recommended action when one is available. If there are no open check-ins, Naverica may show general recommended actions instead.

Due Check-Ins

Select Review due check-ins to open the check-in review dialog. The dialog walks through due check-ins one at a time and may show:

• goal name;
• check-in type;
• due state;
• due date;
• recommended action;
• summary;
• grouped matching records.

Available decisions may include:

• Keep plan: confirm the current plan still works.
• Adjust contribution: review the contribution amount.
• Adjust date: review the target date.
• Pause: pause the goal for now.
• Review budget: review Budget categories or monthly room.
• Reconnect: refresh or reconnect account data.

The button label is based on the recommended action. You can also skip, snooze, or dismiss a check-in.

Snoozing Or Dismissing

Use Snooze when the check-in is still relevant but you want to review it later. Choose a new due date before saving.

Use Dismiss when the prompt does not apply. Dismissing closes the check-in without changing the goal contribution, target date, account allocation, or transaction links.

Completing a check-in stores the decision in goal history and helps future planning prompts avoid repeating the same review.

Suggested Prompts

The Suggested prompts dialog shows rules that can create goal check-ins. These are not automatically applied as decisions. They are prompts for review.

Suggested prompt details may include:

• available prompts;
• active rules;
• prompts already represented by open check-ins;
• goal name;
• recommended action;
• due date;
• suggested amount, when relevant.

Select Create check-ins to open suggested prompts as check-ins. You can then review, complete, dismiss, or snooze them like other check-ins.

Reminder Settings

Goal reminders are optional. They point back to open check-ins so you can complete, dismiss, or snooze the review before more reminders are scheduled.

Reminder settings may include:

• goal reminders on or off;
• email on or off;
• SMS on or off;
• reminder lead days;
• maximum reminders per week;
• quiet hours;
• time zone.

Notification consent is required before reminders can be scheduled. If reminders are off, check-ins can still appear inside the app.

Reminder Status

Reminder status may show:

• eligible due check-ins;
• upcoming check-ins in the next week;
• pending reminder notifications;
• recent notification records;
• recommended actions.

If reminder counts do not match the number of goals, remember that reminders are tied to open check-ins, not every saved goal.

Advance Buffer Tool

The Tools view in Goals may show advance buffer planning. It estimates planning signals such as:

• planning score;
• current buffer and target buffer;
• buffer gap;
• income cadence signal;
• recent income;
• money left in the Budget;
• pending transactions to review;
• stale-data warning.

Advance buffer planning may offer to create or review an advance buffer goal. These estimates are planning signals only. They do not guarantee cash advance eligibility, approval, funding, pricing, or timing.

Debt Payoff Simulator

The debt payoff simulator compares a minimum-payment scenario with an extra-payment approach before you change a goal or Budget.

The simulator may ask for:

• balance;
• APR;
• minimum payment;
• extra monthly payment;
• optional one-time payment.

After selecting Simulate payoff, results may show:

• estimated payoff date;
• estimated interest;
• months to payoff;
• interest saved;
• months saved;
• budget fit;
• money left this month, when available.

The simulator is an estimate based on the numbers entered. It does not make payments, contact a creditor, change your debt account, calculate an official payoff quote, or replace information from your lender.

When To Contact Support

Contact in-app support if:

• due check-ins will not open;
• a completed, dismissed, or snoozed check-in keeps returning unexpectedly;
• suggested prompts cannot be created;
• reminder preferences will not save;
• reminder counts look incorrect after preferences are updated;
• the advance buffer tool shows stale data after reconnecting accounts;
• the debt payoff simulator fails with valid inputs.

Do not send bank credentials, account numbers, full transaction details, debt statements, one-time codes, or identity documents by email.